Frequently Asked Questions

Automobile Coverage Questions

• What are the amounts of basic no-fault benefits?
   
• How can I save money on my insurance premium?
   
• What is No-Fault Insurance?
   
• What is an endorsement?
   
• Why does it cost more to insure a younger driver than an adult driver?
   
• Am I insured when driving out of state?
   
• Why do some cars cost more to insure than others?
   
• What are split limits?
   
• If I own an auto with Collision and Comprehensive coverage, will my insurance apply to the rental of another private passenger auto?
   

Claims Questions

• Will a claim affect my rates?
   
• Do I have to pay an insurance premium after my auto is declared a total loss?
   
• If my car is totaled, will I be paid replacement cost?
   
• May I keep my car if it is declared a total loss?
   
• How can I get back my collision deductible when the other driver is at fault?
   
• How soon will my claim be settled?
   
• I have no coverage and am not at fault, why do I have to report the accident?
   
• I reported the accident to my agent, why do I have to fill out all these forms?
   
• Why do I have to wait 30 days to receive wage payments?
   
• Will I be getting a W-2 form for tax purposes?
   
• Can my claim for auto damages be denied if the principal place of garaging listed on my application is false?
   
• The body shop is repairing my auto. Will my insurance company pay for used or new parts?
   
• An object damaged my windshield and I am unable to determine where it came from. Am I covered for this loss?
   
• Should I collect under my own collision coverage or go against the other vehicles insurance policy?